ANALISIS FAKTOR DETERMINAN PENYALURAN KREDIT USAHA MIKRO DAN MENENGAH (UMKM) PADA BANK UMUM DI INDONESIA

The banking sector has a very important position in the Indonesian economy. Banks as intermediaries between the parties with the excess funds are underfunded, supporting the national payment system and as a means of national monetary policy. The existence of the perpetrator Micro, Small and Medium Enterprises (SMEs) have a very important role for the development and the economy, especially in times of economic crisis. In general, SMEs are labor intensive, it can be labor-intensive, so the greater lending to SMEs will generate economic growth is greater. The main obstacle facing SMEs is the lack of capital, through bank capital needs of SMEs expected to be fulfilled. This study aims to determine the effect of non-performing loans (NPL), third-party funds (DPK) and the capital adequacy ratio (CAR) of the SME loan portfolio. The results showed that Non Performing Loan (NPL) significantly influence the MSME loan portfolio, third-party funds (DPK) significantly influence the MSME loan portfolio of commercial banks in Indonesia. While the Capital Adequacy Ratio (CAR) did not prove to significantly influence the MSME loan portfolio of commercial banks in Indonesia. The results also prove that the non-performing loan (NPL), Third Party Fund (DPK) and the Capital Adequacy Ratio (CAR) simultaneously significant effect on the distribution of MSME credit in commercial banks in Indonesia